- Mon, 05 May 2025 7 Min Read
Home First Finance Company announces robust Q4 and FY25 results - AUM grows 31.1% y-o-y
MUMBAI, India, May 5, 2025 --
AUM at Rs 12,713 Cr; Strong growth of 31.1% y-o-y and 6.4% q-o-qROE reaches 17.0% in Q4 / 16.5% for FY 2025Stable Asset Quality: 90+ DPD flat y-o-y at 1.7%; Credit cost flat at 30bpsQIP / Fresh equity infusion in Apr'25 of Rs 1,250 Cr; Networth stands at Rs 3,751 Cr (proforma basis)Key Performance Indicators for Q4 & FY25
Particulars
Q4FY25
Q4FY24
y-o-y
Q3FY25
q-o-q
FY25
FY24
y-o-y
AUM (Rs Cr)
12,713
9,698
31.1 %
11,949
6.4 %
12,713
9,698
31.1 %
Disbursement (Rs Cr)
1,273
1,102
15.5 %
1,193
6.7 %
4,805
3,963
21.2 %
Total Income (Rs Cr)
416
318
31.0 %
407
2.1 %
1,539
1,157
33.1 %
PAT (Rs Cr)
105
83
25.4 %
97
7.5 %
382
306
25.0 %
Spread (%)(2)
5.1 %
5.4 %
-30 bps
5.2 %
-10 bps
5.2 %
5.5 %
-30 bps
ROA (%)
3.5 %
3.6 %
-10 bps
3.4 %
+10 bps
3.5 %
3.8 %
-30 bps
Gross Stage 3 (%)
1.7 %
1.7 %
0 bps
1.7 %
0 bps
1.7 %
1.7 %
0 bps
Cost to Income (%)
35.7 %
34.1 %
+160 bps
35.2 %
+50 bps
35.8 %
35.3 %
+50 bps
(1) Pursuant to the RBI circular dated 12 Nov 2021 - "Prudential norms on Income Recognition, Asset Classification and Provisioning (IRACP) pertaining to Advances - Clarifications'', the Company has aligned its definition of default and taken steps to comply with the norms/ changes for regulatory reporting, as applicable. Such alignment has resulted in classification of loans amounting to Rs.25.9 Crores as Gross Stage 3 (GNPA) as at Mar'25 in accordance with regulatory requirements. Gross Stage 3 prior to such classification for Mar'25 is 1.4%.(2) IGAAP basis and Excludes Co-Lending.Investors & Analyst can download the excel version of operational & financial numbers from our website link.
